Not bad thanks @Chosen-one 
Sat here watching the garden fence swaying about in the gale force wind that seems to have picked up!
As long as itās not you swaying coz itās a bit early in the day for that 
Yes just a tad early in the day for me! Only just had breakfast! 
Bloody Mary
Iāve had another coffee, I need something to keep me going
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Thankyou cuffed x
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Ploughing through work, drinking more coffee than is good for me.
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Good morning everyone
ā¦was excited about my parcel @Cuffed
ā¦but got stuck on a business call and didnāt notice the delivery man sneak a card through door and not knockā¦ not a happy bunny.
now i gotta wait til the sortin office opens tomorrow to get my lovehoney goodiesā¦
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Morning/evening indeed and how bloody rude of the postie @Gylf48
I hope you get to pick it up and I want to hear all about it please 
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Donāt you worry youāll hearā¦ probably hear the excited squeals as i open the parcel tomorrow. really irritates me that they almost all left home and this house still gets so busyā¦how?
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Looking for a new pet insurance as current one gave me some rubbish as to why they wonāt pay out.
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Been to the park to plant some rocks for #happyrocksheffield my lo found one! At mumās having a cuppa before I go home. Iām freezing
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Glad youāre feeling more positive again. Life can be a bitch sometimes. 
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Just got up extra early and seeing what is about on the forums . Had to uncover during the night , weather warmed up during the night . Had a crazy dream involving a space ship landing . Was at a restaurant and people were not freaking out all that much . It almost seemed like from a childrenās cartoon movie , or else some pretty non advanced aliens ! Get to take our puppy to the vets to get him fixed this morning . So today will be quieter than normal .
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What was their reason? I may know who doesnāt have the same terms, it wonāt help on this occasion though. I have my cat with Animal Friends.
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Taking a break from work to cuddle the dog, tech issues have been doing my head in
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@AmyA my dog has canine dermatitis which started in 2014 and been a on going issue and took insurance out with direct line in 2011 when he was 8 weeks old, Iāve never claimed for his allergy via them as it was less than the excess.
But recently as heās started developing cysts on his front feet and heās 9 years old now and is a separate issue all together and was always on courses of antibiotics and was recently knocked out to clean them up which cost Ā£398
They paid out for the first flare up and they came back 4 weeks after but now claiming heās no longer covered for it saying itās a pre existing condition (saying he had it before taking out insurance) when he didnāt. Think they are making rubbish up to avoid paying again because heās getting old.
Even my vet said itās not a pre existing condition. But insurance personal vets are contracting my vet. Friend said to get ombudsman involved as it seems they are pulling a fast one.
Theyāve paid out before for on going treatment as the cysts also fall under this category but according to them it doesnāt.
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@EmmaC1989 Oh dear, poor pup 
If they are saying itās not covered because you knew about it before and your vet is definitely saying itās unconnected I would certainly fight it, complain officially to Direct Line first and then if you are not happy with the decision take it to ombudsman/FSCA.
If they are refusing because they have already paid out once this can be a common wording on many low cost policies. Some will pay out for one year up to a limit and then it becomes pre-existing the next year, some will cover the condition til, you reach a limit, Animal Friends is (I think) the only one that will continue to cover an existing condition and renew the limit each year.
Itās going to be difficult changing insurer now as it will be an existing condition but from what iāve heard Animal Friends is your best bet. Itās not easy when they start getting older
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